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INSURANCE FRONTING<br />
& WHY IT’S A BAD THING!<br />
Fronting is when an older person, usually a parent, takes<br />
out an insurance policy in their own name and then adds a<br />
young driver as an occasional user to the policy.<br />
However instead of the older person being the main user of the vehicle as agreed with the insurer the<br />
young driver is in fact the main user.<br />
CONSEQUENCES OF FRONTING<br />
Fronting is an act of fraud. If the insurance<br />
company believes fronting has taken place the<br />
policy can be cancelled and a claim could be void.<br />
The insurance company can recover 3rd party<br />
costs from the policyholder potentially leaving a<br />
parent thousands of pounds out of pocket.<br />
The young driver can be treated as uninsured by<br />
police, resulting in a fine and 6 penalty points,<br />
enough to disqualify a restricted driver from<br />
driving. The young person will need to retake<br />
their driving test at the end of the disqualification<br />
period.<br />
FRONTING IS EASY TO SPOT<br />
Insurance companies are not stupid; if you have<br />
a collision they will check to see if the older<br />
person is the main driver of any other car. If there<br />
are as many cars as drivers in household then<br />
fronting will be obvious.<br />
If the car is registered to the young driver or if<br />
the collision involves a young driver on their way<br />
to or from school or work then insurers will<br />
suspect fronting.<br />
If you are worried about insuring yourself correctly<br />
we recommend that you speak to a broker.<br />
The young driver and parent will both face more<br />
expensive insurance in future.<br />
page # 48
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